Tornados, hurricanes, floods, earthquakes, and fires due to lightning strikes are considered “Acts of God.” These incidents must be covered under special supplement programs known as, Act of God Insurance policies.

If you own a small fishing boat or a large family yacht, you want to know you are insured in case of emergency. Boat insurance is the first step to ensuring your investment and your family in case of boat related emergencies and events.

Casualty insurance is connected to other forms of insurance coverage such as automobile and motorcycle insurance. This policy covers medical expenses and other related issues to an accident or injury caused during an accident.

Catastrophe insurance is similar to “Act of God” insurance, due to the coverage of issues outside human control. Natural disasters, floods, earthquakes and other issues caused by nature are covered under this type of policy.

If you live in an earthquake prone area, then having earthquake insurance is vital. There are various policies available to cover injuries, loss of property, and the property damage associated with earthquakes.

Flood prone areas are becoming increasingly aware for the need of flood insurance. This type of policy covers various aspects of flooding including loss of property, property damage, and possible rebuilding fees.

GAP insurance is an insurance policy designed to work with your current insurance plan. If you have Medicare or major medical insurance, an additional GAP policy would cover needs that remain unpaid by primary coverage.

Group insurance is the standard insurance policy coverage offered through businesses for their employees. Small businesses generally use group insurance coverage plans to cover their employees at a lower rate.

Health insurance covers various forms of health and medical related issues. Depending on your needs, policies may cover basic health services during the year or may cover any health issues that may occur for you and your family.

Key person insurance is directly connected to business with investors or key income makers. The insurance is designed to cover the company in case the key investor or income provider leaves the business.

Kidnap and ransom insurance is a type of coverage considered by individuals with public spotlight jobs or families who are in the political spotlight often. This type of insurance varies depending on the needs of the policy holder.

Landlord insurance is a type of policy covering the owner or landlord of rental properties. This insurance protects the landlord in certain legal situations as well as tenant and property damage issues.

No-fault insurance helps to lower costs of policy holders premiums by avoiding litigation actions. This is a policy primarily used in cases dealing with the policy holder and the insurance company directly.

Worker comp insurance is a standard insurance offered by companies and business to their employees. This type of insurance covers the company and the employee in injury and accident cases that occurred while on the job.